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Medibank Gold Ultra Health Cover

A Hospital + Extras product from Medibank. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (23)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	NSW / ACT Periodic exam (012): $42.90 Scale and clean (114): $77.70 Fluoride (121): $25.90 Extraction (322): $187.60 VIC Periodic exam (012): $41.10 Scale and clean (114): $79.50 Fluoride (121): $22.40 Extraction (322): $169.60 QLD Periodic exam (012): $41.10 Scale and clean (114): $78.60 Fluoride (121): $22.40 Extraction (322): $176.80 WA Periodic exam (012): $42 Scale and clean (114): $79.40 Fluoride (121): $23.20 Extraction (322): $165.20 SA Periodic exam (012): $41.10 Scale and clean (114): $80.30 Fluoride (121): $24.20 Extraction (322): $169.60 TAS Periodic exam (012): $47.30 Scale and clean (114): $79.40 Fluoride (121): $25.90 Extraction (322): $196.50 NT Periodic exam (012): $65 Scale and clean (114): $96.40 Fluoride (121): $23.20 Extraction (322): $223	No annual limit
Major dental	12 months	NSW / ACT, QLD Full crown, veneered (615): $1,204.20 VIC Full crown, veneered (615): $1,159.60 WA Full crown, veneered (615): $1,088.50 SA Full crown, veneered (615): $1,124 TAS Full crown, veneered (615): $1,222.30 NT Full crown, veneered (615): $1,293.40	$1,600 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT Root canal obturation (417): $191.90 VIC Root canal obturation (417): $209.90 QLD Root canal obturation (417): $236.50 WA Root canal obturation (417): $196.40 SA Root canal obturation (417): $211.70 TAS Root canal obturation (417): $227.70 NT Root canal obturation (417): $214.20	$1,600 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$1,500 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$300 a year
Non-PBS prescription medicines	2 months	Per prescription: $51	$800 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $68.40 Subsequent visit: $57.10 VIC Initial visit: $69.30 Subsequent visit: $55.30 QLD Initial visit: $70.20 Subsequent visit: $59 WA Initial visit: $67.40 Subsequent visit: $58.10 SA Initial visit: $63.70 Subsequent visit: $54.30 TAS Initial visit: $68.30 Subsequent visit: $58.10 NT Initial visit: $78.60 Subsequent visit: $64.60	$1,000 a year
Chiropractic	2 months	NSW / ACT Initial visit: $74.90 Subsequent visit: $51.50 VIC Initial visit: $69.30 Subsequent visit: $48.70 QLD Initial visit: $66.50 Subsequent visit: $47.80 WA Initial visit: $69.30 Subsequent visit: $47.80 SA Initial visit: $67.40 Subsequent visit: $45.90 TAS Initial visit: $67.40 Subsequent visit: $50.60 NT Initial visit: $71.20 Subsequent visit: $50.60	$750 a yearShared with Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $59.90 Subsequent visit: $48.30 VIC Initial visit: $60.80 Subsequent visit: $47.40 QLD, TAS Initial visit: $59 Subsequent visit: $47.40 WA Initial visit: $64.40 Subsequent visit: $48.30 SA Initial visit: $59.90 Subsequent visit: $46.50 NT Initial visit: $60.70 Subsequent visit: $50	$600 a yearShared with Orthotics
Psychology	No waiting period	NSW / ACT Initial visit: $160.77 Subsequent visit: $139.80 VIC Initial visit: $158.67 Subsequent visit: $137.97 QLD Initial visit: $135.35 Subsequent visit: $117.70 WA Initial visit: $161.40 Subsequent visit: $140.35 SA Initial visit: $165.72 Subsequent visit: $144.10 TAS Initial visit: $132.98 Subsequent visit: $115.63 NT Initial visit: $155.24 Subsequent visit: $134.99	$600 a year
Acupuncture	2 months	NSW / ACT Initial visit: $46.40 Subsequent visit: $33.90 VIC Initial visit: $58 Subsequent visit: $42.90 QLD Initial visit: $56.30 Subsequent visit: $44.70 WA Initial visit: $63.40 Subsequent visit: $51.80 SA Initial visit: $55.40 Subsequent visit: $44.70 TAS Initial visit: $59.80 Subsequent visit: $46.40 NT Initial visit: $56.20 Subsequent visit: $53.60	$500 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage	2 months	NSW / ACT, QLD, WA Initial visit: $68.80 Subsequent visit: $46.40 VIC Initial visit: $68.90 Subsequent visit: $46.40 SA, TAS Initial visit: $64.30 Subsequent visit: $46.40 NT Initial visit: $82.30 Subsequent visit: $64.30	$500 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Hearing aids	36 months	Per hearing aid: 100% of the fee	$1,600 a year
Blood glucose monitors	24 months	Blood glucose monitor: 100% of the fee	$300 a year
Chinese herbal medicine	2 months	Initial visit: $32.50 Subsequent visit: $32.50	$500 a yearShared with Acupuncture, Remedial massage, Exercise physiology
Dietetics	2 months	NSW / ACT Initial visit: $81.60 Subsequent visit: $45 VIC Initial visit: $74.70 Subsequent visit: $46.80 QLD Initial visit: $74.60 Subsequent visit: $46.70 WA Initial visit: $73.50 Subsequent visit: $40.60 SA Initial visit: $83.60 Subsequent visit: $41.10 TAS Initial visit: $83.80 Subsequent visit: $46.30 NT Initial visit: $80.50 Subsequent visit: $41.30	$600 a year
Exercise physiology	2 months	Initial visit: $32.50 Subsequent visit: $32.50	$500 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Orthoptics	2 months	Initial visit: $60 Subsequent visit: $50	$600 a year
Home nursing	2 months	Initial visit: 100% of the fee Subsequent visit: 100% of the fee	$500 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $92.90 Subsequent visit: $55.10 VIC Initial visit: $69.80 Subsequent visit: $50.90 QLD Initial visit: $79.50 Subsequent visit: $53.50 WA Initial visit: $75 Subsequent visit: $42.20 SA Initial visit: $79.40 Subsequent visit: $50.90 TAS Initial visit: $91.40 Subsequent visit: $66.90 NT Initial visit: $153.90 Subsequent visit: $63.80	$600 a year
Orthotics	2 months	Per pair of orthotics: 100% of the fee	$600 a yearShared with Podiatry
Osteopathy	2 months	NSW / ACT Initial visit: $74.90 Subsequent visit: $51.50 VIC Initial visit: $69.30 Subsequent visit: $48.70 QLD Initial visit: $66.50 Subsequent visit: $47.80 WA Initial visit: $69.30 Subsequent visit: $47.80 SA Initial visit: $67.40 Subsequent visit: $45.90 TAS Initial visit: $67.40 Subsequent visit: $50.60 NT Initial visit: $71.20 Subsequent visit: $50.60	$750 a yearShared with Chiropractic
Speech therapy	2 months	NSW / ACT Initial visit: $117 Subsequent visit: $54.30 VIC Initial visit: $107.60 Subsequent visit: $61.80 QLD Initial visit: $103.30 Subsequent visit: $52.20 WA Initial visit: $121 Subsequent visit: $57.50 SA Initial visit: $109.20 Subsequent visit: $64.80 TAS Initial visit: $87.70 Subsequent visit: $59.10 NT Initial visit: $105.50 Subsequent visit: $61.50	$600 a year

Not covered: Audiology (hearing tests), Vaccinations, Antenatal and postnatal care, Health management programs

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental, Root canal (endodontics)
$1,600 a year
Orthodontics (braces)
$1,500 a year, $3,500 lifetime
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$800 a year
Physiotherapy
$1,000 a year
Chiropractic, Osteopathy
$750 a year
Podiatry, Orthotics
$600 a year
Psychology
$600 a year
Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology
$500 a year
Hearing aids
$1,600 a year, 1 per 5 years
Blood glucose monitors
$300 a year, 1 per 3 years
Also includes other services not listed
Dietetics
$600 a year
Orthoptics
$600 a year
Home nursing
$500 a year
Occupational therapy
$600 a year
Speech therapy
$600 a year

Insurer's notes (original English)

Product features

Comprehensive hospital and extras cover in one convenient package. Widest range of extras services including laser eye surgery, teeth whitening and much more. Our highest annual limits. Easy online and electronic claiming.

Other services

- Health appliance and external prostheses, (contact Medibank for further information) $600 per annum, 2 mth waiting period, fixed amount back per item up to annual limit. - Laser Eye Surgery (where no Medicare benefit is payable) $3,500 per lifetime limit, 36 mth waiting period, 100% back up to lifetime imit. - Blood pressure monitor (24 mth waiting period) and Breathing appliances (12 mth waiting period) included with Blood glucose monitors. - Health subscriptions (refer to Medibank for approved organisations) $100 per annum, 2 mth waiting period, 100% per subscription up to annual limit. - Health screening tests (where no Medicare benefit is payable) $200 per annum, 2 mth waiting period, 100% per test up to annual limit. Refer to Medibank for approved screening tests. - Private hospital accident and emergency facility fees, $250 per annum, 2 mth waiting period, 100% back up to annual limit. - Teeth whitening (must be provided by recognised dentist), $250 per annum, 2 mth waiting period, fixed amount payable. - Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information.

Special features

A 12 month waiting period applies to surgical tooth extraction. Orthodontics has a $1500 opening balance then a top up of $500 per year up to a $3500 lifetime limit. Home nursing not available in NT or TAS.

Frequently asked questions

How much does Medibank Gold Ultra Health Cover pay for a scale and clean?

According to government data, Medibank Gold Ultra Health Cover pays up to $77.70 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Medibank Gold Ultra Health Cover?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology No waiting period, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 36 months, Blood glucose monitors 24 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can Medibank Gold Ultra Health Cover be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

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